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Keeping collision on a car that’s driven only now and then
If a car will still be driven occasionally, does dropping collision while keeping comprehensive usually make sense, or is raising the collision deductible a more sensible way to reduce the premium? Even infrequent road use still leaves crash damage outside comprehensive coverage, so I’d be cautious about treating the car as if it were just in storage.
Would comparing the premium savings with the car’s value and the out-of-pocket cost after a crash help decide between dropping collision and raising the deductible?
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Before comparing the car’s value with the savings, check whether it’s financed or leased. The agreement may require collision coverage, which would rule out dropping it even if the car is driven only occasionally. Is the car paid off?